Mortgage Loan Originator - Home Ownership Center

About the role

At Silverton Mortgage, we are a people-first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry. We believe in giving back and do so through The Silverton Foundation. Our strong communication skills drive customer satisfaction, and we offer extensive product lines and maintain an in-house loan process that offers a competitive edge. We also have fun!

Schedule

The schedule is Hybrid 1 Day per Week, In-Office.

Pay

Compensation for this position is based solely on commission.

What We Offer

• Earned 2022 & 2024 Top Workplaces Culture Excellence recognition for Innovation, Work-Life Flexibility, and Compensation & Benefits issued by Energage and USA Today.
• Recognized in Atlanta Business Chronicle for multiple years as one of the Best Places to Work, and as a Top Workplace in both the Atlanta Journal-Constitution and Charlotte Observer.
• Competitive pay and benefits, 401k match, 10 holidays, PTO, Volunteer Time Off.

Responsibilities and Duties

• Mortgage Loan Originator (MLO) reports to a direct Branch Manager and is responsible for originating residential mortgage loans that meet Silverton’s guidelines.
• Maintain active Mortgage Loan Originator licensure and keep current information in the National Mortgage Licensing System.
• Absorb and remain in compliance with all Federal and State laws governing the mortgage industry, as well as any additional applicable laws in the states in which Silverton is currently licensed.
• Meet production guidelines as established by the Branch Manager.
• Originating the file, quote, making application, disclosing within RESPA, Reg Z and Fair Credit and Reporting guidelines and requesting all required documentation from the client.
• Communicate the loan process to your borrowers, fully describing the borrower’s responsibilities during the loan application and loan term.
• Verify information provided by your borrower, completing the application review and preparing the file for submission to underwriting, meeting all conditions.
• Submitting files into processing.
• Self-managing your time and structuring work hours when companies are open and consumers are available to ensure that you are available to your customers as well as to Silverton’s support staff.
• Generating your own leads. As a general rule, Silverton does not provide leads to MLOs. Your business should be built on referrals from existing customers and contacts.

Qualifications

• Meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.
• Preferred minimum of 2 years of residential mortgage origination.
• Documented residential mortgage loan volume in the past 12 months.
• Established relationships with local referral networks.
• Ability to communicate clearly, effectively using both verbal and written communication, across a variety of audiences.
• Strong computer skills, experience utilizing laptop technology and loan originator software.
• Excellent time management skills.

Business Unit

Silverton Mortgage